With an extensive range of games and the ease of playing from the comfort of your home, it’s no surprise that an increasing number of Canadians are trying their luck at online casinos. The payout rate is one of the most important aspects to consider when selecting an online casino. It directly affects your potential winnings—a higher payout rate indicates that you’re more likely to receive a larger portion of your bets back over time.
To help you find the best payout online casino in Canada, we’ll look at what makes a casino payout the best, what to look for when choosing an online casino, and what online casinos have some of the highest payout rates.
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What Are Online Casino Payout Rates?
Often referred to as return-to-player (RTP) percentages, online casino payout rates are critical metrics that indicate the average amount of money a player can expect to receive back from their bets over time.
RTP is expressed as a percentage, and a higher percentage represents a better chance for players to win.
For example, if a slot game has an RTP of 96%, it means that for every $100 wagered, players can anticipate winning back $96 on average over time. The remaining $4 represents the casino’s house edge or profit.
Understanding RTP is essential for players seeking the best chances of winning because of the following:
- It helps identify games with better potential returns
- It makes the game more transparent and player-friendly
Still, it’s crucial to note that RTP is calculated over a significant number of rounds, and individual results can vary widely in the short term.
Online casinos often provide RTP information for their games, allowing players to make informed choices. In Canada, reputable casinos typically offer games with RTP rates exceeding 95%, ensuring fair opportunities for players to enjoy their gaming experience while aiming for lucrative wins.
You can use RTP to make informed decisions about which games to play, choosing those with higher RTP rates to improve your chances. Additionally, it ensures that the house advantage isn’t unfairly enhanced.
What Makes a Casino Payout the Best?
A casino’s status as the best payout option is determined by several key factors, including:
- High return-to-player (RTP) rates—A high RTP rate suggests you have a better chance of winning in the long run
- Fairness and transparency—The best casinos are transparent about their payout percentages and undergo third-party audits by organizations like eCOGRA or iTech Labs to ensure game fairness
- Licensing and regulation—The best payout casinos hold licenses from reputable regulatory authorities, which signifies their commitment to maintaining a high RTP and ensures that players can expect consistent and favourable payouts
- Diverse game selection—These casinos offer a vast array of games with high payout potential, including slots, table games, and live dealer games
- Fast and secure withdrawals—Efficient withdrawal processes through trusted payment methods such as e-wallets and bank transfers ensure that you can access your winnings without delay
- Reliable customer support—24/7 customer support accessible through multiple channels like live chat, email, and phone ensures that you can promptly resolve any issues related to payouts or withdrawals
- Positive player feedback—Good player experiences and favourable online reviews serve as evidence of a casino’s reliability in terms of payouts and its overall payout rate
When these elements come together, a casino can rightfully claim the title of the best payout option, offering players both enjoyable gaming experiences and the potential for significant winnings.
How To Choose the Best-Paying Canadian Online Casino
Given the wide range of options, selecting the top-paying Canadian online casino may take a lot of work. However, by considering various criteria, you can make an informed choice that increases your chances of winning while also ensuring a secure and enjoyable gaming experience.
These are the factors to consider when choosing an online casino:
- Casino licensing and regulation
- Game selection
- Campaigns
- Wagering requirements
- Payment methods
- Data protection
- Customer service
- User reviews
Casino Licensing and Regulation
Casino licensing in Canada is regulated on a provincial level, with each province having its regulatory authority overseeing gaming activities.
Provincial gaming commissions, such as the Alcohol and Gaming Commission of Ontario (AGCO) and the Kahnawake Gaming Commission (KGC), are responsible for issuing licenses, enforcing regulations, and ensuring the integrity of casino operations within their respective provinces.
The licensing process usually involves stringent background checks on operators and casino audits to ensure adherence to responsible gaming practices. While licenses are technically specific to individual provinces, casinos licensed in one province—such as Ontario or Quebec—are generally trusted and recognized by players across Canada.
Casino certifications serve as a mark of trustworthiness, indicating that the casino has met strict standards and undergone thorough testing, creating a safer and more enjoyable environment for players.
The two most recognized regulatory bodies in Canada are:
- The Alcohol and Gaming Commission of Ontario (AGCO)
- The Kahnawake Gaming Commission (KGC)
Alcohol and Gaming Commission of Ontario (AGCO)
The Alcohol and Gaming Commission of Ontario (AGCO) is a prominent regulatory authority responsible for overseeing gaming activities within the province of Ontario, Canada. Since its inception, the AGCO has played a pivotal role in maintaining the integrity and fairness of gaming operations within the province.
AGCO is tasked with licensing and regulating various forms of gaming, including casinos, lotteries, and charitable gaming events. It ensures that these activities comply with Ontario’s laws and regulations, promoting transparency and accountability in the gaming industry.
One of AGCO’s primary objectives is to protect consumers and maintain the public’s trust in gaming. To achieve this, it conducts thorough background checks on operators, ensures responsible gambling practices, and performs financial audits.
Kahnawake Gaming Commission (KGC)
The Kahnawake Gaming Commission (KGC) is a well-respected regulatory body located in the Kahnawake Mohawk Territory near Montreal, Quebec, Canada. Established in 1996, the KGC was one of the earliest gaming commissions in North America to oversee online gambling.
The KGC is known for its stringent regulatory standards and commitment to maintaining the integrity of online gaming. It issues licenses to online casinos and poker rooms that meet its strict criteria for fairness and security.
Because of Kahnawake’s autonomous status, casinos registered within the Mohawk Territory of Kahnawake are considered off-shore casinos, making them legal to play at in the eyes of federal law.
KGC’s licenses have earned a strong reputation for trustworthiness and are respected by players and operators across Canada and around the world.
Regulatory Bodies Worldwide
In addition to Canadian players enjoying gambling at provincially regulated venues, they can also participate in off-shore gambling activities offered by reputable online casinos. While these casinos can offer a diverse and convenient gaming experience, Canadian players need to exercise caution and choose platforms licensed by recognized regulatory bodies to guarantee a secure and fair gambling environment.
These regulatory bodies are known for their stringent standards, ensuring fairness, player protection, and responsible gaming within the global online gambling industry.
These are some of the most respected regulatory bodies in the world:
| Country | Regulatory body |
| Sweden | Swedish Gambling Authority (SGA) |
| Curaçao | Curaçao Gaming Control Board (GCB) |
| Alderney | Alderney Gambling Control Commission (AGCC) |
| Malta | Malta Gaming Authority (MGA) |
| United Kingdom | United Kingdom Gambling Commission (UKGC) |
| Gibraltar | Gibraltar Gaming Commission (GGC) |
Third-Party Audits
Third-party casino audits are independent evaluations conducted by reputable organizations to assess the fairness, security, and overall integrity of both online and land-based casinos. These audits are vital in ensuring that players enjoy a fair and transparent casino experience.
One of the primary purposes of these audits is to evaluate the random number generators (RNGs) used in casino games. Auditors verify that these RNGs produce genuinely random and unpredictable outcomes, preventing any manipulation or bias in favour of the casino.
Additionally, third-party audits assess the payout rates and RTP percentages of individual games. This information helps players make informed choices about which games offer better odds of winning.
Finally, auditors review a casino’s security measures to ensure that player data remains confidential and protected from unauthorized access.
The results of these audits are often publicly available, enabling players to verify a casino’s legitimacy and commitment to fair play.
The two most respectable organizations that perform third-party audits are:
- eCOGRA
- iTechLabs
Game Selection
One of the most important elements to consider when choosing an online casino is the game selection. A varied collection of entertaining and responsive games can greatly improve your gaming experience at a particular venue.
Here’s what you need to check out when evaluating a casino’s game selection:
- Variety of games
- Quality of game providers
- Live dealer games
- Progressive jackpots
- Demo options
- Mobile compatibility
Variety of Games
Look for an online casino that offers a diverse range of games. This should include a large selection of slots and table games such as blackjack, roulette, and poker, as well as specialized games like bingo or keno. A varied game selection guarantees that you have alternatives that correspond to your gaming interests.
Quality of Game Providers
Pay attention to the game providers the casino collaborates with. Opting for a casino that collaborates with reputable software developers like Microgaming, NetEnt, and Playtech not only guarantees a top-notch gaming session but also ensures fairness and security. These industry giants are renowned for their commitment to transparent gaming practices, regularly auditing their games to guarantee random and unbiased outcomes, which further enhances player trust.
Live Dealer Games
If you enjoy the thrill of playing against real dealers in land-based casinos, check if the venue offers live dealer games. When you opt for an online casino with live dealer games, you get a chance to engage with real dealers who operate the game in real time. You can even communicate with other players, creating a sense of connection similar to that of a traditional casino. This social component enhances the fun of your gameplay.
Progressive Jackpots
If you enjoy the thrill of pursuing multi-million prizes, progressive jackpot games should be at the top of your list when selecting an online casino. What sets progressive jackpot games apart from regular casino games are their ever-growing prize pools. With every bet placed by players across the network, a portion of it contributes to the jackpot. This means that the potential payout continually increases until a lucky player wins big.
Demo Options
Some online casinos allow you to try games for free in demo mode. This is a valuable opportunity to get familiar with the casino’s offers and game strategies without risking your money. Demo mode allows you to experiment with various game types, from slots to table games—this is particularly advantageous if you’re new to casino gaming and want to learn the rules and strategies at your own pace. Additionally, for games like blackjack or poker, where strategy plays a crucial role, demo mode allows you to practice your tactics without any financial consequences.
Mobile Compatibility
Prioritizing user experience, reputable casinos optimize games for various screens, ensuring that the gameplay is smooth, responsive, and visually appealing. A mobile-responsive website or a dedicated app ensures that your gaming experience seamlessly transitions between different devices. When choosing an online casino that’s convenient, it’s crucial to ensure that its games are not only accessible through the website but also optimized for mobile devices.
Wagering Requirements
Wagering requirements are a critical factor to consider when choosing an online casino since they directly affect whether you’ll be able to withdraw campaign earnings. These requirements outline the amount you must wager before you can cash out any campaign-related winnings.
Here’s why it’s important to understand wagering requirements:
- Evaluating bonus value—A large bonus with high wagering requirements might offer less value than a smaller bonus with lower requirements, especially if the latter is easier to meet
- Fairness and transparency—In their terms and conditions, reputable online casinos explicitly state their wagering requirements. These criteria must be reasonable and transparent to ensure a fair gambling experience
- Game contribution—Different games may contribute differently toward meeting the playthrough, which can impact your strategy for completing the requirements
- Time validity—Some casinos impose time limits for meeting wagering requirements. Exceeding these limits can lead to forfeiting your campaign funds and any associated winnings
Considering wagering requirements when selecting an online casino will help you make informed decisions about campaign offers. This helps you plan your gaming strategy effectively to maximize your chances of enjoying a rewarding casino experience.
Payment Methods
The availability of diverse payment methods ensures that you can deposit and withdraw funds using the most convenient option for you. Whether you prefer using credit or debit cards, e-wallets, bank transfers, or some other option, having choices makes the financial aspect of gaming more accessible.
The diversity of payment methods available is important for several reasons:
- Speed of transactions—Different payment methods have varying processing times. Some options offer near-instant deposits and quicker withdrawals, while others may take longer
- Costs and fees—Payment methods may come with associated costs and fees, such as transaction charges or currency conversion fees
- Withdrawal options—Some methods may be available for deposits but not for withdrawals, so it’s important to ensure that the casino supports the withdrawal methods that align with your preferences
- Bonus eligibility—Some casinos offer specific campaigns only for particular payment methods or exclude them from others. By choosing the right payment option, you can maximize the value of your deposits with campaign offers
By carefully considering payment options, you can select an online casino that aligns with your financial preferences and ensures a smooth and enjoyable gaming journey.
Data Protection
Data protection is a critical factor when choosing an online casino, as it directly impacts the safety of your personal and financial information.
Reputable online casinos have stringent data protection measures in place to ensure that your personal and financial information remains private and confidential. This includes using advanced encryption technologies to secure your data.
Your payment details are among the most sensitive pieces of information you provide to an online casino. Data protection measures help safeguard your financial transactions, preventing unauthorized access and fraudulent activities.
A casino’s data protection policies should be transparent and readily accessible to players. Knowing how your data is collected, used, and protected is essential to enjoy your betting activities with peace of mind.
Customer Service
Effective customer service provides a means to address any problems or concerns that may arise during your gaming journey. Whether you have a technical issue, a payment problem, or a question about a particular game, responsive support can offer swift assistance and minimize disruptions.
A reputable online casino should offer various channels for customer support, such as live chat, email, and phone. The availability of multiple contact options ensures that you can reach out in a way that’s convenient for you, no matter the time or situation.
User Reviews
Taking user reviews into account when selecting an online casino is a wise practice, as these can provide valuable insights from real players who have firsthand experience with the casino. User reviews provide multiple opinions on the casino’s performance, games, customer service, and overall experience. This information is necessary for making well-informed judgments.
A casino with a good reputation among users is more likely to provide consistently enjoyable gameplay. Positive reviews indicate a casino that delivers on its promises, while negative reviews may highlight potential issues or red flags. These warnings can save you from making a regrettable choice.
Responsible Gambling
While winning big at online casinos may be tempting, it’s crucial to remember the importance of responsible gambling. Here are some pointers to keep your online casino experience fun and safe from addiction or financial problems:
- Set a budget—Determine how much money you can afford to lose and stick to that budget. Never gamble with money you can’t afford to lose
- Set time limits—Put time restrictions for online gambling and avoid playing for long intervals
- Avoid chasing losses—If you’re on a losing streak, resist the temptation to win your losses back by increasing your bets
- Be ready to self-exclude—Reputable online casinos offer self-exclusion options you can use when you start feeling like you’re no longer in control of your gambling activities
- Seek help—If you suspect you have a gambling problem or are no longer in control of your gaming habits, don’t hesitate to seek professional help from dedicated organizations like ConnexOntario
Best Paying Canadian Online Casinos
Now that you know what to look for in an online casino, check out some of the top online casinos available in Canada that are known for their high payout rates:
| Casino | Benefits | Gateway |
| Jackpot City | Mobile friendly 400+ casino games 24/7 customer support | Start playing NOW! |
| Spin Casino | Mobile-friendly Six live roulette variants 24/7 customer support | Start playing NOW! |
| LeoVegas | Awarded mobile app 2,000+ games 24/7 customer support | Start playing NOW! |
| Ruby Fortune | Mobile app Demo game options 24/7 customer support | Start playing NOW! |
| Casumo | Mobile app 2,700 games Premium live casino | Start playing NOW! |
| Betway | Mobile app 400+ games 24/7 live chat | Start playing NOW! |
| 888 Casino | Mobile app 2,000+ games 24/7 customer support | Start playing NOW! |
Jackpot City
Will You Hit the Jackpot?
Founded in 1998 by Cadtree Ltd., Jackpot City has long upheld a strong reputation. The casino’s trustworthiness is confirmed by the following regulatory bodies:
- Alderney Gambling Control Commission (AGCC)
- Malta Gaming Authority (MGA)
- Alcohol and Gambling Commission of Ontario (AGCO)
The casino offers more than 400 games from top software providers, including slots like Immortal Romance and Thunderstruck 2, various blackjack titles, roulette variants, and different live roulette games.
At Jackpot City, a 70x wagering requirement applies to all promotions, with game contribution variations. To place real money wagers, you can use one of the various banking methods available, including:
- Paysafecard
- Visa
- MuchBetter
- Mastercard
- Apple Pay
- Interac
- eCheck
- Instadebit
Identity verification is required before withdrawals.
If you face any questions during your registration or gameplay, customer support is available through email and 24/7 live chat, along with a detailed FAQ section.
With its long history of trustworthiness and multiple regulatory approvals, Jackpot City is a reputable casino that makes a good choice for potential payouts.
Spin Casino
Spin the Reels and Watch Your Fortunes Change
Established in 2001 and extending its services to Canadian players in 2021, Spin Casino has built a long-standing reputation for its secure payments, extensive game variety, and captivating player promotions.
The casino holds licenses from:
- Alderney Gambling Control Commission (AGCC)
- Alcohol and Gambling Commission of Ontario (AGCO)
- Malta Gaming Authority (MGA)
Spin Casino offers hundreds of games, with a focus on slots from Microgaming and NetEnt. The games are certified as fair and truly random by eCOGRA.
A 70x wagering requirement applies to all casino campaigns, with varying game contributions and wagering limits.
To place your real money bets, you have multiple payment methods available, including:
- Instadebit
- Visa
- Paysafecard
- Mastercard
- Interac
- eCheck
- MuchBetter
- Apple Pay
All players must verify their identity before the first withdrawal. Withdrawals are processed within 24 hours to seven working days, with variations based on factors like your chosen method and identity verification.
Responsive customer support is available via email and 24/7 live chat, with an extensive FAQ section on the casino website.
Backed by reputable licenses, fair game certification, and enticing player campaigns, Spin Casino is a safe option in terms of payouts.
LeoVegas
Hear the Roar of LeoVegas
Since its founding in 2012, LeoVegas has grown to offer more than 2,000 games, a rich live casino section, and various sports betting options.
The casino was established by Gaming PLC and operates under the licenses issued by:
- Malta Gaming Authority (MGA)
- Alcohol and Gambling Commission of Ontario (AGCO)
During ten years of market presence, LeoVegas earned multiple rewards, including one for its mobile app that’s available both for iOS and Android devices.
The wagering requirements at LeoVegas depend on the chosen campaign.
The casino offers multiple payment methods for placing deposits or withdrawing the winnings. These methods include:
- Interac
- Interac e-transfer
- Bank transfer
- Neosurf
- Neteller
- Visa
- iDebit
- Mastercard
- MuchBetter
- E-wallets
To stay up to date with payment processing information, campaign terms, or any other inquiries, you can contact customer support 24/7 through live chat and email or check the FAQ section.
LeoVegas stands out as a strong choice for casino payouts, particularly because of its diverse welcome campaigns and regular promotions.
Ruby Fortune
A Rocky Ride or a Rare Find?
Since making its first appearance in the online casino market in 2003, Ruby Fortune has become a trusted platform not only in Canada but worldwide.
The casino has an eCOGRA certification for fair play and is further recognized for its outstanding gambling practices by the following regulatory bodies:
- Alcohol and Gaming Commission of Ontario (AGCO)
- Kahnawake Gaming Commission (KGC)
- Malta Gaming Authority (MGA)
- Swedish Gambling Authority (SGA)
Ruby Fortune’s game library consists of over 600 games, with an extensive slot selection that includes a variety of progressive jackpot titles and live dealer options for immersive play.
All casino campaigns come with a 70x playthrough requirement.
You can transfer funds to and from your casino account by using the following methods:
- Instadebit
- Interac e-Transfer
- Paysafecard
- Visa
- Prepaid vouchers
- MuchBetter
- Mastercard
The withdrawals come with some limitations—the minimum amount is set at $50, while the maximum amount you can withdraw per week is $4,000.
Ruby Fortune offers 24/7 customer support worldwide. You can reach out to the support team through live chat on the platform or by sending an email.
Due to eCOGRA certification for fair play, a large game library with rewarding progressive jackpots, and a variety of ongoing campaigns, Ruby Fortune is a trusted choice for a big payout casino.
Casumo
Join the Casumoverse To Win Big
Casumo is a top-tier online casino that’s received multiple awards, including eGaming Review (EGR) Awards. Established in 2012, this casino continuously sets new standards in online gambling with its modern design, user-friendly interface, and extensive game library.When it comes to licenses, Casumo is regulated by the Gibraltar Gaming Commission.
The wagering requirement for Casumo campaigns is usually 30x, and you can’t withdraw more than $50,000 a month.
There are several ways to make a payment at the casino:
- Mastercard
- MuchBetter
- Paysafe
- Interac
- Visa
- ecoPayz
Casumo boasts swift transaction processing as one of its strengths—your withdrawal requests will be processed in a matter of hours.
For support, Casumo offers 24/7 assistance via live chat or email. However, phone support isn’t available.
Casumo stands out for its reputable awards, generous bonuses, player-friendly loyalty program, efficient transaction processing, and a wide range of payment options, enabling you to enjoy a rewarding online casino experience.
Betway
Established in 2006, Betway has grown into a major player in the online gaming and sports betting industry—and from 2022, Canadian players have also been enabled to bet on this impressive platform.
Betway holds licenses from the:
- Malta Gambling Authority (MGA)
- UK Gambling Commission (UKGC)
- Alcohol and Gaming Commission of Ontario (AGCO)
Additionally, it’s eCOGRA certified, guaranteeing fairness and player safety.Betway boasts a vast library of over 400 games, a dedicated mobile app, and an extensive sportsbook.
The wagering requirements may vary for different campaigns, so it’s important to review the terms and conditions of each promotion before you decide to participate.
Betway offers a diverse range of payment methods, ensuring ease of transactions for all players. You can fund your account with options like:
- Visa
- iDebit
- MuchBetter
- Payz
- Paysafecard
- Mastercard
- Neosurf
- ecoVaucher
- Instadebit
- Flexepin
- Interac
To comply with anti-fraud and anti-money laundering rules, your chosen method for receiving payouts should correspond to the one you used for making deposits.
Customer support is available 24/7 through live chat and email, ensuring you can get assistance whenever you need it.
Betway is an excellent choice for payouts due to its reputable licenses, eCOGRA certification, diverse game and betting options, and generous welcome campaigns, providing well-rounded and rewarding gameplay.
888 Casino
Will 888 Be Your Lucky Number? Find Out Now
Founded in 1997 by 888 Holdings PLC, 888 Casino is one of the industry’s pioneers. The casino became available to Canadian players in 2022.
888 Casino boasts over 26 million players, a library of over 2,000 games, and multiple awards that confirm its excellence.
The casino holds licenses from:
- Malta Gaming Authority (MGA)
- UK Gambling Commission (UKGC)
- Gibraltar Betting and Gaming Association (GBGA)
- Alcohol and Gaming Commission of Ontario (AGCO)
At 888 Casino, the wagering requirement is 30x the initial campaign amount unless stated otherwise in the specific campaign terms.
The casino offers various payment methods for deposits and withdrawals, supporting USD, GBP, EUR, and CAD. The accepted methods include:
- iDebit
- Payz
- Mastercard
- MuchBetter
- Luxon Pay
- Interac e-Transfer
- Neteller
- Skrill
- Visa
Withdrawals may take up to three business days, and you can reach out to 888 Casino’s customer support via live chat or email if you experience any issues.
Judging by its long-standing industry presence, multiple licenses, extensive game library, and lucrative welcome and ongoing campaigns, 888 Casino is an excellent choice for anyone looking for a venue with secure payouts.
Casinos To Avoid
While the casinos above earned a place on our list of recommended casinos with safe payouts, there are also ones that made it to the list of casinos our experts recommend you avoid. The following casinos have gained a negative reputation due to their unethical practices and bad user experiences:
- Extensive verifications to delay payouts
- Bans accounts to avoid payouts
- Suspiciously low RTPs
- Poor customer support
- Unclear T&C
- Refuses payouts
- Unknown operating company
- Unlicensed casino
- Highly-restrictive payout limits
Playing in casinos with bad reputations like the ones above puts you in jeopardy since there’s no regulatory control to assure fairness and financial security.
These dishonest casinos may modify their games to provide negative odds, making it extremely difficult to win. They also may regularly delay or even refuse to pay out wins. For these reasons, take caution when choosing an online casino and avoid these venues to steer clear of mishandled payouts.
